Florida CD rates › By county › Palm Beach County › West Palm Beach
✓ 16 institutions with branches in West Palm Beach · 116 you can open · verified 2026-10-01
West Palm Beach is in Palm Beach County. Banks and online banks are open to anyone; credit unions appear only when their charter covers the county or they are open to all. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 4.25% | iTHINK Financial Credit union · branch in West Palm Beach · 15 FL branches | $1k | 31 FL counties |
| 6 mo | 4.25% | iTHINK Financial Credit union · branch in West Palm Beach · 15 FL branches | $1k | 31 FL counties |
| 9 mo | 4.25% | iTHINK Financial Credit union · branch in West Palm Beach · 15 FL branches | $1k | 31 FL counties |
| 1 yr | 4.35% | CIBC National Trust Company Bank · branch in West Palm Beach · 2 FL branches | $1k | Anyone |
| 18 mo | 4.24% | TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | $0.01 | Anyone |
| 2 yr | 4.29% | TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | $0.01 | Anyone |
| 3 yr | 3.80% | Dort Financial Credit union · branch in West Palm Beach · 4 FL branches | $100k | 4 FL counties |
| 4 yr | 3.90% | Dort Financial Credit union · branch in West Palm Beach · 4 FL branches | $100k | 4 FL counties |
| 5 yr | 4.75% | First Choice Credit union · branch in West Palm Beach · 3 FL branches | $75k | 7 FL counties |
3 mo 4.10% Beal Bank USA · 6 mo 4.40% Quorum Federal Credit Union · 9 mo 4.40% OMB Bank · 1 yr 4.50% Quorum Federal Credit Union · 18 mo 4.65% Raymond James Bank · 2 yr 4.70% Raymond James Bank · 3 yr 4.85% Raymond James Bank · 4 yr 4.95% Raymond James Bank · 5 yr 5.00% Raymond James Bank
Statewide leaders, the same on every city page — banks and online banks take anyone, and these credit unions are open to all. Membership conditions are on each institution's page.
| Institution | Best standard CD | Who can open |
|---|---|---|
| First Choice Credit union · branch in West Palm Beach · 3 FL branches | 4.75% 5 yr · $75k min | 7 FL counties |
| CIBC National Trust Company Bank · branch in West Palm Beach · 2 FL branches | 4.35% 1 yr · $1k min | Anyone |
| TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | 4.29% 2 yr · $0.01 min | Anyone |
| Citibank, National Association Bank · branch in West Palm Beach · 53 FL branches | 4.25% 1 yr · $500 min | Anyone |
| iTHINK Financial Credit union · branch in West Palm Beach · 15 FL branches | 4.25% 3 mo · $1k min | 31 FL counties |
| JPMorgan Chase Bank, National Association Bank · branch in West Palm Beach · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Dort Financial Credit union · branch in West Palm Beach · 4 FL branches | 4.00% 5 yr · $100k min | 4 FL counties |
| Valley National Bank Bank · branch in West Palm Beach · 41 FL branches | 3.55% 3 mo · $500 min | Anyone |
| Amerant Bank, National Association Bank · branch in West Palm Beach · 21 FL branches | 3.25% 9 mo · $10k min | Anyone |
| BankUnited, National Association Bank · branch in West Palm Beach · 50 FL branches | 2.45% 1 yr · $1k min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in West Palm Beach · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| First Horizon Bank Bank · branch in West Palm Beach · 76 FL branches | 0.10% 6 mo · — min | Anyone |
| Truist Bank Bank · branch in West Palm Beach · 441 FL branches | promos only — see page | Anyone |
| Seacoast National Bank Bank · branch in West Palm Beach · 103 FL branches | promos only — see page | Anyone |
| ConnectOne Bank Bank · branch in West Palm Beach | promos only — see page | Anyone |
| Guardians Credit union · branch in West Palm Beach · 6 FL branches | promos only — see page | 4 FL counties |
Also with branches in West Palm Beach, but not posting CD rates on their websites (ask in the branch): Bank of America, National Association · Regions Bank · Fifth Third Bank, National Association · PNC Bank, National Association · Pinnacle Bank · Centennial Bank · BNY Mellon, National Association · Interamerican Bank, A FSB.
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Dort Financial Credit union · branch in West Palm Beach · 4 FL branches | 5.00% promo | 11 mo | $5k | Relationship Certificate — Max APY 5.00% with Boost Checking qualifications (0.25% bonus) and Dort Visa card (0.25% bonus); renews to 12-month certificate; consumer only · 4 FL counties |
| Dort Financial Credit union · branch in West Palm Beach · 4 FL branches | 4.60% promo | 7 mo | $5k | Limited-Time Certificate Special — New money only; renews to 6-month certificate; consumer and business eligible · 4 FL counties |
| TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | 4.30% promo | 2 yr | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | 4.30% promo | 2 yr | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
| TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | 4.30% promo | 2 yr | $50k (cap $100k) | TD Choice CD Promotional ($50,000-$99,999.99) — Max $100k |
| TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | 4.30% promo | 2 yr | $100k | TD Choice CD Promotional ($100,000+) |
| TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | 4.25% promo | 18 mo | $0.01 (cap $10k) | TD Choice CD Promotional ($0.01-$9,999.99) — Max $10k |
| TD Bank, National Association Bank · branch in West Palm Beach · 166 FL branches | 4.25% promo | 18 mo | $10k (cap $50k) | TD Choice CD Promotional ($10,000-$49,999.99) — Max $50k |
Palm Beach County · Belle Glade · Boca Raton · Boynton Beach · Delray Beach · Greenacres · Juno Beach · Jupiter · Lake Worth · Lantana · North Palm Beach · Palm Beach · Palm Beach Gardens · Palm Springs · Riviera Beach · Royal Palm Beach · Tequesta
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